Income tax relief - Bondora

The 'stages' are no longer used so that is no longer applicable.

I've just completed running through my +1000 defaults and the 'rule' I am implementing this year is

Written off in 15/16 tax year and not restructured = claim
Written off in 15/16 tax year for another reason e.g. death, criminal etc = claim
Red and note of Recovery Court - Payment order  = claim*
Red and note of Recovery Court - Civil claim  = claim*
Red and note of Bailiff = claim*
* No payments have been made for a year since the last payment and where no payments were made a year from the date of 'default'. If the date falls between 06/04/15 and 05/04/16.

Basically 3 rounds of DCA have been completed and no payments for a year.

I don't believe relief will be available on Bondora loans at the end of the tax year so the incentive is to sort claims for this tax return. In my case the claim is 3x income so I will be offsetting 2/3 of my claim against other P2P income.

I submitted a claim against Bondora loans (and other platforms) last year and HMRC have a year to contest it.  In my case that is until mid June.  I will not be submitting this return until my previous years return is accepted by default in June.
I did not submit any detailed information to HMRC although that is obviously well preserved ..... and you will need it, I have had to make a fair number of adjustments against loans that I deemed to be irrecoverable a year ago, payments have been made and these will be added to this years income.